Payments Policy – Zetomart
Effective Date: 2018
Last Updated: 2025
At Zetomart, we strive to provide a secure, transparent, and hassle-free payment experience for our customers. Our Payments Policy is designed in accordance with the laws of Pakistan, ensuring both customer satisfaction and store security. By making a purchase on Zetomart, you agree to the following payment terms and conditions.
1. Accepted Payment Methods
To ensure a smooth transaction process, we accept the following secure payment methods:
A. Cash on Delivery (COD)
✔️ Available for customers nationwide in Pakistan.
✔️ Customers must pay the exact amount upon delivery.
✔️ The courier will not accept partial payments.
✔️ In case of order refusal at the time of delivery, the customer may be blacklisted from future purchases.
B. Bank Transfers
✔️ Customers can pay via direct bank transfer to our company account.
✔️ Payment must be completed and verified before order processing.
✔️ Customers must upload the transaction receipt to avoid delays.
C. Online Wallets & Digital Payments
We accept payments through:
✔️ Easypaisa
✔️ JazzCash
✔️ SadaPay
✔️ NayaPay
✔️ Upaisa
✔️ Konnect by HBL
✔️ Payment must be made from the customer’s own wallet/account.
✔️ Orders will be processed only after payment verification.
✔️ Customers must enter the correct transaction ID/reference number for verification.
D. Debit/Credit Cards (Future Integration)
✔️ We are working on integrating Visa, MasterCard, and UnionPay for easy card payments.
✔️ All card transactions will be encrypted and secured under PCI DSS compliance.
2. Payment Verification & Order Processing
✔️ Payments via bank transfer, online wallets, and cards require manual verification before processing.
✔️ Customers must provide accurate transaction details for faster verification.
✔️ Orders will be confirmed only after successful payment verification.
✔️ If payment is not verified within 24 hours, the order may be canceled automatically.
3. Fraud Prevention & Security Measures
To ensure a safe shopping experience, we take strict measures against fraudulent transactions:
✔️ Orders flagged as suspicious (e.g., fake payment proofs, mismatched details) will be canceled immediately.
✔️ Customers involved in fraudulent activities will be permanently blacklisted and may face legal action under Pakistan’s Cybercrime Laws (PECA 2016).
✔️ Chargebacks or false payment claims may result in a legal complaint under Section 420 of the Pakistan Penal Code.
4. Refunds & Payment Disputes
A. Refund Eligibility
✔️ Refunds are processed only in the following cases:
- Order cancellation before shipping.
- Incorrect product received (must be reported within 24 hours).
- Damaged product upon arrival (with valid proof).
✔️ Refunds are not applicable for:
- Change of mind after delivery.
- Products damaged by customer misuse.
- Incorrect product selection by customer.
B. Refund Process
✔️ Refunds are processed within 7-10 business days after approval.
✔️ Refunds will be credited through the original payment method (bank transfer, Easypaisa, JazzCash, etc.).
✔️ Cash on Delivery (COD) refunds will be issued via bank transfer or wallet payments (not cash).
C. Payment Disputes
✔️ Customers are encouraged to contact us first in case of payment issues.
✔️ Disputes raised through banks or payment providers without prior communication may result in a permanent account ban.
5. Order Cancellations & Payment Reversals
✔️ Orders can be canceled within 12 hours of placement if payment is not verified.
✔️ Once an order is shipped, cancellations are not allowed.
✔️ If payment is mistakenly made for a canceled order, the amount will be refunded within 7 days.
✔️ Any attempts to reverse a valid payment without genuine reason may result in legal action.
6. Compliance with Pakistani Laws
Zetomart ensures that all payment policies comply with the legal framework of Pakistan, including:
✔️ Electronic Transactions Ordinance, 2002 – Ensuring the security of digital payments.
✔️ Prevention of Electronic Crimes Act (PECA), 2016 – Protecting against fraudulent online transactions.
✔️ State Bank of Pakistan (SBP) Regulations – Complying with local e-commerce payment guidelines.
7. Customer Responsibilities
To maintain a smooth payment process, customers must:
✔️ Provide accurate payment details to avoid order delays.
✔️ Ensure they have sufficient balance before making payments.
✔️ Avoid fraudulent claims or disputes, as they may lead to account suspension.
8. Changes to Payments Policy
✔️ Zetomart reserves the right to modify this Payments Policy at any time.
✔️ Updates will be posted on this page, and customers are encouraged to review it periodically.
✔️ Continued use of our services implies acceptance of the revised policy.
9. Contact Us
For any payment-related queries, disputes, or verification assistance, contact us:
📧 Email: zetomart.com@gmail.com
📞 Phone: +92 345 8730677
📍 Location: Jampur, Punjab, Pakistan
Thank you for shopping with Zetomart! Your security and satisfaction are our top priorities.